Business Details
34 Years
experience
Emergency
services
Expert Mortgage Advice in Belfast
Established in 1992, The Independent Mortgage Shop has solidified its reputation as a leading independent financial advisory firm in Northern Ireland. Our team of experienced mortgage advisors, collectively offering 100 years of industry expertise, specialises in delivering tailored mortgage solutions and financial advice. We serve a diverse clientele, from first-time buyers to those seeking remortgaging, equity release, or commercial mortgages, ensuring each customer receives impartial guidance.Our approach prioritises understanding individual needs, navigating complex financial landscapes, and securing competitive rates. We handle liaisons with solicitors and estate agents, simplifying the mortgage process while maintaining transparency and integrity. Our commitment to professionalism and client-centric service has made us a trusted partner in mortgage and financial planning.
Services
First Time Buyers
Remortgage
Equity Release
Mortgage Protection
Commercial Mortgages
Debt Management
Retirement Planning
Inheritance Tax Planning
Overseas Property Mortgages
Buy-to-Let Mortgages
Details
- Year established: 1992
Highlights and features
- We have 100 years of combined experience in mortgage lending.
- We offer 100% impartial and independent financial advice.
- We handle liaisons with solicitors and estate agents on your behalf.
- We provide tailored solutions for unique financial circumstances.
- We offer flexible meeting times, including out-of-hours appointments.
Services
Mortgage Advice
Our expert mortgage advisors provide impartial guidance tailored to individual financial circumstances. We specialise in first-time buyer mortgages, remortgaging, and buy-to-let solutions. With access to a wide range of lenders, we negotiate competitive rates and handle all administrative tasks, ensuring a seamless process from application to completion.
Equity Release
We help homeowners over 55 unlock equity from their property through lifetime mortgages. Our advisors explain the implications of compounded interest and inheritance impact, ensuring informed decisions. We assist with eligibility criteria, including property value requirements and repayment of existing mortgages, providing clear, jargon-free advice.
Debt Management
Our debt management service offers tailored solutions for consolidating loans and restructuring mortgages. We assess individual financial situations to recommend strategies that reduce monthly payments while maintaining affordability. This includes negotiating with lenders and exploring government-backed schemes to alleviate financial pressure.
Commercial Mortgages
We provide specialist advice on commercial mortgages for businesses seeking property investment. Our service includes sourcing competitive rates, assessing loan-to-value ratios, and navigating complex application processes. We work with clients to ensure financing aligns with business growth plans and cash flow requirements.
Retirement Planning
Our retirement planning service focuses on securing financial stability in later life. We offer guidance on pension contributions, tax-efficient savings, and inheritance strategies. By analysing current financial commitments and future goals, we create bespoke plans that integrate with mortgage arrangements and equity release options.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, equity release, commercial mortgages, and debt management solutions tailored to individual needs.
Are you independent financial advisors?
Yes, we are fully independent mortgage brokers and financial advisors with access to the entire market, ensuring impartial advice.
Can I get advice on overseas property mortgages?
Yes, we offer guidance on purchasing overseas properties, including currency considerations and international lending requirements.
Do you help with equity release eligibility?
We assess eligibility for equity release plans, explaining requirements like minimum property value and age criteria (55-85 years).
Can I arrange out-of-hours appointments?
Yes, we accommodate meetings outside regular business hours to suit client availability.
How do you handle mortgage paperwork?
We manage liaisons with solicitors and estate agents, simplifying the process by handling administrative tasks on your behalf.
Reviews (4)
Derek Pig
May 24, 2022
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Just had text that I've a face to face appointment tomorrow- doesn't say what time and of course I've had no notification by text, email or letter, and they don't send texts out until the phone lines are closed. Eight months unable to move properly and counting.
Karen Truman
May 21, 2022
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I'm currently pregnant and after self referal i eventually got as phone number to make an appointment, wrang the number and basically got told there is no appointment and they'd put my name on a list which will take months.
Sophie
Apr 05, 2022
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My Dad used TIMS in 2019 and had a good experience with them (he had severe osteoporosis which eventually led to a hip replacement). Unfortunately my own experience isn't so positive. I self referred to the service on the advice of a physio and GP for debilitating hip pain. A few days later I was sent exercises for knee and elbow pain, which has nothing to do with my injury. Given my dad had hip dysplasia which puts the firstborn female at risk of having it, I was so disappointed that I didn't even get offered a phone call. Won't be pursing this service again.
Paul Richardson
Apr 05, 2022
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If i could give a 'Zero' rating I would. Terrible 1st point of contact at NHS, not helpful at all and very rude and arrogant lady on phone. Not helpful with zero level of understanding. Still no further forward following my call
